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Schwab Savings and Money Market Rates

Latest rate data:

Savings Accounts

Schwab

Savings account · FDIC

0.15%

APY

Minimum balance
$0
Opening deposit
$0
Account details & sources
Last checked
Nov 14, 2026
Last attempt
Nov 14, 2026
Observed change
0.00 pp
Compare fees, requirements, and alternatives
Rate history
Last observed APY 0.15% on Nov 14, 2026; unchanged since Aug 14, 2026.
0.00%0.10%0.20%0.30%Aug 14Sep 14Oct 15Nov 14

Money Market Funds

Schwab Value Advantage

Money Market Fund • SWVXX

3.75%

7-day SEC yield

Expense Ratio
0.34%
Minimum Investment
$0
Observed change
+0.25 pp
Rate date
Nov 14
Rate details & state tax
Last checked
Nov 14, 2026
Last attempt
Nov 14, 2026

U.S. government income: 0%. Schwab 2025 tax report

No exemption in California, Connecticut or New York; the fund does not meet their thresholds. Other state rules apply.

Rate history
Last observed SEC yield 3.75% on Nov 14, 2026; up 0.25 percentage points since Aug 14, 2026.
3.25%3.50%3.75%4.00%4.25%Aug 14Sep 14Oct 15Nov 14

Schwab Government

Money Market Fund • SNVXX

3.61%

7-day SEC yield

Expense Ratio
0.34%
Minimum Investment
$0
Observed change
+0.23 pp
Rate date
Nov 14
Rate details & state tax
Last checked
Nov 14, 2026
Last attempt
Nov 14, 2026

U.S. government income: 36.2%. Schwab 2025 tax report

No exemption in California, Connecticut or New York; the fund does not meet their thresholds. Other state rules apply.

Rate history
Last observed SEC yield 3.61% on Nov 14, 2026; up 0.23 percentage points since Aug 14, 2026.
3.00%3.25%3.50%3.75%4.00%Aug 14Sep 14Oct 15Nov 14

Schwab Treasury Obligations

Money Market Fund • SNOXX

3.62%

7-day SEC yield

Expense Ratio
0.34%
Minimum Investment
$0
Observed change
+0.24 pp
Rate date
Nov 14
Rate details & state tax
Last checked
Nov 14, 2026
Last attempt
Nov 14, 2026

U.S. government income: 31.3%. Schwab 2025 tax report

No exemption in California, Connecticut or New York; the fund does not meet their thresholds. Other state rules apply.

Rate history
Last observed SEC yield 3.62% on Nov 14, 2026; up 0.24 percentage points since Aug 14, 2026.
3.00%3.25%3.50%3.75%4.00%Aug 14Sep 14Oct 15Nov 14

Schwab U.S. Treasury

Money Market Fund • SNSXX

3.69%

7-day SEC yield

Expense Ratio
0.34%
Minimum Investment
$0
Observed change
+0.28 pp
Rate date
Nov 14
Rate details & state tax
Last checked
Nov 14, 2026
Last attempt
Nov 14, 2026

U.S. government income: 99.99%. Schwab 2025 tax report

Meets the California, Connecticut and New York fund thresholds. State rules apply.

Rate history
Last observed SEC yield 3.69% on Nov 14, 2026; up 0.28 percentage points since Aug 14, 2026.
3.00%3.25%3.50%3.75%4.00%Aug 14Sep 14Oct 15Nov 14

Schwab Municipal

Money Market Fund • SWTXX

2.35%

7-day SEC yield

Expense Ratio
0.34%
Minimum Investment
$0
Observed change
+0.61 pp
Rate date
Nov 14
Rate details & state tax
Last checked
Nov 14, 2026
Last attempt
Nov 14, 2026

State exemption varies by state. Schwab 2025 tax report

Other state exemptions require the applicable state rules and fund allocation. AMT may apply.

Rate history
Last observed SEC yield 2.35% on Nov 14, 2026; up 0.61 percentage points since Aug 14, 2026.
1.00%1.50%2.00%2.50%3.00%3.50%Aug 14Sep 14Oct 15Nov 14

Schwab California Municipal

Money Market Fund • SWKXX

2.13%

7-day SEC yield

Expense Ratio
0.34%
Minimum Investment
$0
Observed change
+0.61 pp
Rate date
Nov 14
Rate details & state tax
Last checked
Nov 14, 2026
Last attempt
Nov 14, 2026

California state-exempt income: 98.59%. Schwab 2025 tax report

Other state exemptions require the applicable state rules and fund allocation. AMT may apply.

Rate history
Last observed SEC yield 2.13% on Nov 14, 2026; up 0.61 percentage points since Aug 14, 2026.
1.00%1.50%2.00%2.50%3.00%Aug 14Sep 14Oct 15Nov 14

Schwab New York Municipal

Money Market Fund • SWYXX

2.31%

7-day SEC yield

Expense Ratio
0.34%
Minimum Investment
$0
Observed change
+0.67 pp
Rate date
Nov 14
Rate details & state tax
Last checked
Nov 14, 2026
Last attempt
Nov 14, 2026

New York state-exempt income: 99.99%. Schwab 2025 tax report

Other state exemptions require the applicable state rules and fund allocation. AMT may apply.

Rate history
Last observed SEC yield 2.31% on Nov 14, 2026; up 0.67 percentage points since Aug 14, 2026.
0.75%1.50%2.25%3.00%3.75%Aug 14Sep 14Oct 15Nov 14